• Report: #271592

Complaint Review: Universal Fidelity

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  • Submitted: Fri, August 31, 2007
  • Updated: Fri, February 17, 2012

  • Reported By:Miami Florida
Universal Fidelity
P.O.Box 941911, Houston, Texas U.S.A.

Universal Fidelity ,Collection Agency fraudulent collection of a non-existing bill from Bloomingdales. I called Bloomingales and was told I had a zero balance Houston Texas

*Consumer Comment: This happens because Bloomingdales charges the card holder for having $0 Balance

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I have received many calls from Universal Fidelity trying to collect on a bill from a department store. I have repeatedly told them that I don't owe the named department store anything. They were rude on the phone and told me the late fees would continue to increase my balance. I proceeded to call the department store and confirmed that I have a zero balance. I called them back and told them that I was filing a report with the BBB.

I wonder how many people fall for their claim of monies owed. The scary thing is that they had all my information on file. They knew my age and had the audacity to tell me that because I was older, I probably didn't remember the charge. This is a criminal activity and they should be charged and closed down.

furious
Miami, Florida
U.S.A.

This report was posted on Ripoff Report on 08/31/2007 10:03 AM and is a permanent record located here: http://www.ripoffreport.com/r/Universal-Fidelity/Houston-Texas-77094/Universal-Fidelity-Collection-Agency-fraudulent-collection-of-a-non-existing-bill-from-Bl-271592. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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REBUTTALS & REPLIES:
0Author 1Consumer 0Employee/Owner
Updates & Rebuttals

#1 Consumer Comment

This happens because Bloomingdales charges the card holder for having $0 Balance

AUTHOR: alfredheart - (United States of America)

My fiance has her Bloomingdale for the last 10 years. We are getting married this month and want to buy a second house by the summer. She paid off her balance and refrained from using that card. A month after she gets a bill for $2.00. Normally the instinct is to shred it thinking it is junk but for some reason she opened it as she was about to shred the thing expecting to see $0 balance but there was a fee charged. She called them and got the run around to a credit company that claimed the store charges card holders an extremely  high interest fee for not using the card and having a $0 balance on the card. This makes absolutely no sense and it is just a scam to either force you to use the card or force you to pay the fee.

When she asked to cancel the card they told her it would ruin her credit score even though she was cancelling a $0 balance credit card. So she is forced to keep the card and pay these idiots $2 a month for not using the card.

But I can see how this situation would lead to a credit disaster if someone who had paper-free billing was to stop using the card, pay off the balance and not check their account online again whiles they were silently getting billed every month and not know it. After 5 years or 10 years that would be a disaster!

Horrible business practice by Bloomingdales and their creditor cohorts! This should be illegal!
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